buy now. pay later.

the new way to shop online

Payl8r lets you buy the products you want today without worrying about the cost. With our flexible repayment plans, you decide when and how to pay back. Simply click the Payl8r button at checkout or receive a payment link from participating stores and spread the cost of your purchases into monthly instalments.

easy and affordable

If it's your first time using Payl8r, we will usually be able to give you an instant lending decision. We don’t penalise you for having a thin credit file and use a soft search which will not affect your credit! If your credit score is poor we will assess your affordability instead! This means, we lend to the largest audience in the UK.

repayments to suit you

You can repay in full within 30 days at 0% interest, or choose an instalment plan to repay on a monthly basis.

will you qualify?

If you have a UK bank account or debit card, you can use Payl8r!

Minimum criteria

No CCJs within the last 3 years

No accounts in default

Online banking

A regular source of income

Finance is subject to a credit check and your ability to repay the loan